possible credit card fraud?

onion1

Received the below text from bank of Ireland
This is Bank of Ireland Credit Card Security: EUR 45.04 and EUR 68.57 are transactions appearing on your card *.

Please reply by text, MINE if genuine or reply by text, FLAG if not.

I use my card a lot and am unsure if i did actualw make there transactions or not, what would you advise?

dudara

Ring the Bank of Ireland Security Centre straight away and speak to an agent. They can provide you with a little more detail on the transactions which will help you identify them or not.

amdublin

Check your online account.

Ring boi to query/verify the text.

Solair

Check your statement online and see if you recognise the transaction.

You'd need the name of the retailer to ID them correctly.

Annasopra

Seems dodgy that they are texting. Ring them.

dae

Extra security on the bank's side if they have an up-to-date phone number for you. While credit card fraud may be rare enough, it still exists and we depend on automated systems fronted by skilled analysts to spot unusual activity, bring it to our attention, jointly determine if the card was compromised at some point and if so, resolve it (often by issuing a new card). By unusual activity, I mean transactions that differ from the norm such as outside the normal transaction time for you, bigger amounts that push you closer than normal to your credit limit, higher frequency of purchases, different country, etc. The last thing either you or your bank wants is for you to have your card declined because it has been maxed out by a fraudster who illegally obtained your card details.

If you recognise the transaction amounts then you can be fairly certain it is the bank texting you and you can safely reply MINE.
If you don't recognise them after racking your brains or checking your transactions online, reply FLAG and expect a bank agent to call you back, or call the customer care number on the back of your card. These type of text messages should refer to transactions that are fairly recent.
If anything at all makes you suspicious, such as if you are asked by text for any private or identity information by someone claiming to be the bank, then let customer care know. Also, it should not be difficult to get the bank's own security guidelines from their website.

Carrie_D99

Just received same message from BOI security so I phoned them and there were 2 dodgy transactions on my card for 'Justeat' in the UK, neither of which created by me.

Downside is that the card has been compromised and new card will be issued (3-5 days).

Upside is that BOI have our backs and were sharp enough to flag these as rogue transactions.